Puestos
630After holding the stock for over 3 years, I have now sold my first ever share.
I got carried away by the hype back then. But that's probably just as much a part of investing.
You learn from your mistakes.
At least I'll get some tax back, as I sold a large amount at a profit at the beginning of the year.
$PYPL (+1,46 %)
x Perplexity
✅ Venmo & PayPal users get early access to the new AI-powered Comet browser
✅ Free 12-month Perplexity Pro subscription ($200 value)
Big move for PayPal into the AI ecosystem.
Nvidia – The Earnings to Rule Them All
This Q2 earnings season has been mixed at best. Some tech giants like Meta or Google crushed estimates and surged, while others – think Trade Desk – saw their stocks slaughtered for what were basically beauty marks: guidance not raised enough, beats “only” in the mid-single digits.
What does that tell us? This rally is dancing on thin ice. Nvidia’s report is the pin to the grenade, with far more downside than upside risk. If they beat – as most expect, since all that raised CapEx has to land somewhere – the tech rally lives on, at least for a while. If not, the sector could be in real trouble. The economy is still firmly in Trump’s crosshairs, and while he’s busy running around demanding stakes in businesses, economists are worried about the impact of his last brainchild: a sweeping tariff regime.
We’ll see how it shakes out, but personally, I wouldn’t mind a tech selloff. It’s the perfect chance to rack up stakes in some real gems of the industry. So, for the long-term investor’s sake: Nvidia, please miss and throw out a gloomy comment or two.
Grab – The Asian Super-App
Joining countless super investors, I’ve added a new stock to my watchlist today: Grab, Southeast Asia’s largest superapp. The company bundles delivery, mobility, and financial services into one platform, serving hundreds of millions across 800+ cities. Imagine Uber, Amazon, and PayPal rolled into a single app.
Grab’s moat is serious: brand reputation, scale, network effects, and a cost advantage. Combine that with steady 15–20% revenue growth, and the valuation doesn’t look bad at all – forward EV/Revenue is under 5. Immense potential is on the table, though you have to accept the volatility that comes with hypergrowth EM stocks. For me, that means patience. My buy limit sits at $4.50, which I see as an attractive entry point.
$NVDA (-0,36 %)
$META (-0,47 %)
$GOOGL (-0,15 %)
$GOOG (-0,15 %)
$TTD (-1,7 %)
$GRAB (+3,08 %)
$UBER (+1,04 %)
$AMZN (-0,21 %)
$PYPL (+1,46 %)
I did manage to buy some more at the end of the week (yesterday) and filled my portfolio a little more. 📈
I bought:
Total sum: € 101,116
Let's see how this develops, in any case I'm well covered for now. 🚀
A portfolio that supports long-term, solid growth and remains balanced. The focus is on global diversification, strong dividend payers, stable industry leaders and a targeted admixture of future-oriented stocks, including in the crypto sector.
✅ = already available
👀 = on the watchlist, interesting in terms of price soon
❌ = not yet interesting in terms of price at present
ETF selection
Single stock focus
Energy & commodities:
Shell ✅, Chevron 👀, Exxon 👀, Rio Tinto ❌ $SHEL (-0,3 %)
$CVX (-0,39 %)
$XOM (-0,37 %)
$RIO (+1,27 %)
Insurers & reinsurers:
Munich Re ✅, Hannover Re ✅, Swiss Re ❌, Allianz ❌, Swiss Life AG ❌ $ALV (+0,64 %)
$SREN (+0,47 %)
$SLHN (+0,25 %)
$HNR1 (-0,49 %)
$MUV2 (+0,29 %)
Finance & payment transactions:
Brown & Brown ✅, Marsh & McLennan ✅, Visa ✅, Mastercard ❌, PayPal 👀 $PYPL (+1,46 %)
$BRO (+1,19 %)
$MMC (+0,81 %)
$V (+0,77 %)
$MA (+1,59 %)
Technology & data:
Alphabet 👀, NVIDIA ❌ , Palantir ❌,
Amazon 👀, Apple ❌, Microsoft ❌, Baidu 👀 $9888 (+3,7 %)
$AAPL (+0,33 %)
$GOOGL (-0,15 %)
$PLTR (-0,98 %)
$NVDA (-0,36 %)
Health & consumption:
Novo Nordisk 👀, Zoetis 👀, Coca-Cola ❌, Walmart 👀, United Health 👀 $UNH (+2,59 %)
$NOVO B (-1,06 %)
$ZTS (+0,21 %)
$KO (-0,08 %)
$WMT (+1,29 %)
Automotive & Mobility:
BMW ❌, Mercedes 👀, Tesla ❌ $TSLA (+3,43 %)
$BMW (+0,39 %)
$MBG (+0,98 %)
Cryptos
For the weekend
Strategy remains: Patience, discipline and an eye for opportunities.
📈🌾
July was also very good again, but the year is still long. Key investments for the future with overweighting $IREN (-2,98 %)
let's see what happens :) I wish you all continued success with your investments.
After a long downward trend $PYPL (+1,46 %) Holdings appears to be stabilizing:
✅ Share price above USD 76 - important resistance broken!
P/E ratio at only 14 - below industry average = favorable valuation
✅ Q1 figures strong:
▪️ Sales: USD 7.79 billion
▪️ Earnings per share: +23% to USD 1.33
▪️ Total payment volume: USD 417.2 billion (+3%)
▪️ 436 million active users
With a P/E ratio of 14, PayPal looks undervalued compared to other tech stocks - especially if the company continues to grow profitably.
💳 New PayPal Card as a game changer?
The recently introduced PayPal Card with direct cashback function, integration into the Venmo ecosystem and potential crypto functionality could:
✔️ increase user loyalty
✔️ increase the payment volume
✔️ Position PayPal as an all-in-one financial tool
📊 The chart shows that a breakout above USD 76 could initiate a trend reversal. The next target? USD 85-90.
🔍 Nevertheless, pressure from Apple Pay, Stripe & Co. remains - the next quarters must deliver. (Next earnings report July 29)
📌 I've been invested for a long time and am still convinced by the company. How do you feel about it? On the watchlist now?
#PayPal #PYPL #Finance #Investing #TechShares #KGV #TPV #Stock market #Share analysis #Charting #Fintech
In the last quarter, sales increased by 5% over the year to USD 8.3 billion.
However, as profitability improved, operating profit increased by 13% to USD 1.6 billion.
As treasury shares were bought back on a large scale, earnings per share even increased by 20% to USD 1.29 per share.
At USD 1.40 per share, earnings were well above expectations of USD 1.30. With sales of USD 8.29 billion, the company also exceeded analysts' estimates of USD 8.10 billion.
However, the measures have also led to growth picking up again, particularly at Venmo.
In a television interview, the CEO explained that "Pay with Venmo" grew by 50% in the last quarter. The Venmo debit card is also experiencing particularly strong growth and is becoming increasingly popular.
Venmo becomes a growth driver
In addition, the company is actively working on creating real-world use cases for stablecoins from which customers can benefit directly. The CEO also emphasized that PayPal played an important role in the drafting of the recently passed stablecoin law.
Venmo's total revenue increased by more than 20% in the last quarter. The transaction volume even climbed by more than 45%. Venmo now accounts for almost a fifth of the Group's total transaction volume.
In addition, the new PayPal debit card appears to be meeting with great interest. In the second quarter, the number of users increased by more than 2 million.
Since the introduction of a contactless wallet in Germany in May 2025, the number of users has jumped to more than 3 million in a very short space of time.
Germany was the first country after the USA to make this service available. The rollout in other countries will take place soon.
Share buybacks as a game changer
PayPal has therefore significantly increased its earnings expectations for the current financial year from USD 4.95 - 5.10 to USD 5.15 - 5.30 per share.
Free cash flow is expected to remain at USD 6 - 7 billion, with USD 6 billion to be used for share buybacks.
In the current situation, this is the smartest thing PayPal can do with the money. PayPal is currently valued at a P/FCF of 9.9 - 11.6.
At this level, share buybacks lead to a significant increase in earnings per share - as we have seen again this quarter.
At the end of June 2025, there were still 969 million PayPal shares. A year ago, there were 1.042 billion. In this short period of time, the number of outstanding shares was reduced by 7%.
PayPal share: Chart from July 30, 2025, price: USD 71.45 - symbol: PYPL | Source: TWS
PayPal nevertheless slumped after the quarterly figures, despite exceeding expectations and raising its forecast. As a long-term investor, you should be happy about this, because the lower the share price, the more shares PayPal can collect and the higher the EPS will rise.
🔹 Non‑GAAP EPS: $1.40 (Est. $1.30) 🟢; UP +18% YoY
🔹 Net Revenue: $8.29 B (Est. $8.09 B) 🟢; UP +5% YoY
🔹 TPV: $443.55 B (Est. $435.7 B) 🟢; UP +6% YoY
🔹 Venmo TPV: $81.98 B (Est. $79.56 B) 🟢; UP +12% YoY
Guidance
🔹 Q3 ’25 Adj. EPS: $1.18–$1.22 (Est. $1.21) 😐
🔹 FY ’25 Adj. EPS: $5.15–$5.30 (Est. $5.10) 🟢
🔹 FY ’25 Transaction Margin $: $15.35–$15.50 B
🔹 FY ’25 Free Cash Flow: $6–$7 B
Q2 Other Metrics
🔹 Transaction Margin Dollars: $3.84 B; UP +7% YoY
🔹 Active Accounts: 438 M; UP +2% YoY
CEO Commentary
🔸 “PayPal had a strong second quarter. We delivered another quarter of profitable growth, driven by continued strength across many of our strategic initiatives ranging from PayPal and Venmo branded experiences to PSP and value‑added services.”
🔸 “I’m proud of our team for leading the industry forward in shaping the future of commerce with innovations like agentic commerce, ads, stablecoins, and PayPal World, which will broaden the reach of our branded experiences globally.”
Principales creadores de la semana
